According to the CDC, between 1995 and 2010 the age-adjusted prevalence of diabetes in U.S. adults increased from 4.4% to 8.2%, and prevalence is projected to continue to increase in the future.

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In contrast, across all age groups and education levels, government figures show that the average age-adjusted hourly wage for workers in production and non supervisor roles have, in fact, risen 3% in the same time period.

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Monthly inflation-adjusted benefits received at age 70 are increased by at least 33 percent compared with taking them at 66, according to the study.

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In the past decade, the inflation-adjusted income for households age 55 and older has risen to 34% of the nation's total, up from 28%.

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For those age 25-29, the rate is 9.1% (not seasonally adjusted).

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However, both strategies should include a reasonable, inflation-adjusted withdrawal rate, which seeks to protect against running out of funds at an old age.

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